FCBA (Fair Credit Billing Act) Lawyers
Your Rights Matter — Fair Credit Billing Act Advocates on Your Side
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Attorneys Specializing in Credit Card Billing Errors
Facing Unfair Credit Card Charges? We’ll Protect Your Rights Under the FCBA.
If you’ve been hit with unexplained, incorrect, or unauthorized credit card charges, it can be very stressful and confusing. But you have rights! The Fair Credit Billing Act (FCBA) is a U.S. law that protects you if there is a mistake on your credit card or charge card account. If you report the problem on time, the law says the credit company must check and fix it.
Some common billing errors include charges you did not make, wrong amounts, charges for items you didn’t get, or payments that were posted incorrectly. If you send a letter to the credit company within 60 days of the wrong bill, they must reply in 30 days and finish checking in 90 days. While they are checking, they cannot ask you to pay that amount or mark it late on your credit report.
Common Errors in Credit Card Billing & How They Hurt You
1. Protecting Your Rights Under the Fair Credit Billing Act (FCBA)
Credit card billing errors are more frequent than many people realize and they can seriously impact your finances and mental well-being. Under the Fair Credit Billing Act (FCBA), you have strong protections, but only if you act. Common mistakes include:
- Unauthorized or fraudulent charges that you didn’t make.
- Incorrect amounts charged, either too much or the wrong total.
- Charges for items not delivered or services not rendered, including damaged or partial orders.
- Payments or credits not properly applied, leaving balances higher than they should be.
- Misplaced or delayed billing statements, which can lead to missed dispute deadlines.
- Calculation errors or services billed for products you didn’t purchase.
Case Example – “Disputed Charge Saved the Day”
Our client noticed a $150 charge on their credit card for something they never bought. Thanks to the Fair Credit Billing Act, they reported the error quickly. The credit card company looked into it, confirmed it was a mistake, & removed the charge, saving our client money & stress.
Your Rights Under the Fair Credit Billing Act (FCBA)
1. Understanding and Exercising Your Billing Rights
When you use credit cards or other open-end credit accounts, the FCBA gives you important legal protections against billing mistakes and fraud. Here’s what you need to know:
- Dispute any incorrect, duplicate, or unauthorized charges, or charges for undelivered items within 60 days of your statement date.
- Only liable for up to $50 for unauthorized credit card use, and often nothing if reported promptly.
- Creditors must acknowledge your written dispute within 30 days and resolve it within 90 days.
- During a billing dispute, you’re not required to pay the disputed amount, and it cannot be sent to collections or reported as late without a dispute notice.
If your creditor fails to comply with these rules, you may sue to recover damages, legal fees, and any overpaid interest.
Fair Credit Billing Act (FCBA) Lawyers
Facing billing errors, unauthorized charges, or disputes? Our FCBA attorneys will push back to making sure your written dispute is filed on time, holding card issuers to their 30‑/90‑day investigation obligations, and enforcing your rights to limit liability.
Protecting Yourself from Credit Card Fraud
1. What You Should Do Immediately After Discovering Unauthorized Charges
Credit card fraud like unauthorized charges or identity theft can quickly disrupt your finances and damage your credit. Here’s how to respond effectively:
- Report the Fraud Immediately to the fraud department, either via the number on your card or through your online account.
- Send a Formal Written Dispute within 60 days of the first bill containing the error.
- While disputing the fraudulent activity, you should still pay off the correct charges on your card.
- Request free credit reports from Experian, Equifax, and TransUnion to check for new or unfamiliar accounts.
- Change your passwords, enable two-factor authentication, and monitor your account for further suspicious activity.
If your credit card company does not follow FCBA rules or refuses to remove fraudulent charges, Haseeb Legal PLLC is here to help recover any damages or costs associated with the fraud.
Fight Back Against Credit Card Billing Errors with Haseeb Legal PLLC
- We guide you through each step such as drafting the dispute letter, gathering evidence & taking care your complaint meets FCBA requirements.
- If your issuer fails to respond or denies your claim, we step in to demand compliance & protect your rights.
- We handle most FCBA cases on a contingency basis, which means no fee unless we win.
- If your credit score took a hit due to mishandled charges, we’ll take action under the FCRA to get it corrected.
- If negotiation fails, we’re prepared to file a lawsuit & fight for financial compensation.
Your peace of mind matters. Let Haseeb Legal PLLC take the pressure off your shoulders, and help you reclaim control over your finances.
Charged for Something You Didn’t Buy?
Table of Contents
- Attorneys Specializing in Credit Card Billing Errors
- Facing Unfair Credit Card Charges? We’ll Protect Your Rights Under the FCBA
- Common Errors in Credit Card Billing & How They Hurt You
- Case Example – “Disputed Charge Saved the Day”
- Your Rights Under the Fair Credit Billing Act (FCBA)
- Fair Credit Billing Act (FCBA) Lawyers
- Protecting Yourself from Credit Card Fraud
- Fight Back Against Credit Card Billing Errors with Haseeb Legal PLLC
- Charged for Something You Didn’t Buy?
From Our Clients
Highly professional, responsive and effective advocate. Very easy for me to recommend Haseeb Legal to my friends and family in need.
Feras Ahmed
Customers
Ali
Customers
Haseeb resolved my dispute quickly and professionally. Highly recommend him for anyone needing prompt, and expert legal assistance.
Asma Shaikh
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